A picture taken on June 20, 2012 at a restaurant in Quimper, western France, shows fork and knife on an invoice indicating the two Value-added tax (VAT) 7.0 and 19.6 percent rate.
FRED TANNEAU/AFP/Getty Images

Wayne’s article was met with a number of varied reactions, including pushback from readers who pointed out that penny pinchers don’t need an app to charge you the exact amount you owe and that Venmo levels the p(l)aying field for friends from different economic brackets and young people who are strapped for cash.

Who gets the check varies in different cultures too: sometimes, the head of a family pays for the bill while other family members politely bleat protest. Or, if you’re the one who issues the invitation, you might be expected to foot the bill.

How do you negotiate the sticky etiquette of who pays for what, be it with friends or family? How have money transfer apps facilitated or hindered that? Do you see generational or cultural differences in how people split the bill?